Lande

Latvia · Agriculture · Créée en 2019

Notre score

7,0

Rendement moyen

11,2%

moyenne de la plateforme

Régulation: ECSPR licence (Latvia)

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Notre verdict

LANDE lends directly to farm businesses against real assets, most new loans now secured on land or machinery at an average loan-to-value of 41%, and it runs a licensed, audited and profitable company while charging investors nothing. There is no buyback: your protection is the collateral, and enforcing it through courts and bailiffs is slow. On 21 September 2026 about EUR 9.6m of the EUR 35.8m not yet repaid was late or defaulted, and 144 projects were in judicial or collective proceedings. LANDE reports individual recoveries but has not yet shown in aggregate how much defaulted principal comes back or how quickly, so the 11.2% headline is an average interest rate, not a return after losses.

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Ce qui fonctionne

Real collateral at a low loan-to-value: most loans are secured on farmland or machinery, with an average LTV of 41%
ECSP licence No. 27-10/2024/23 from Latvijas Banka since 7 February 2024, and a clean audit opinion on the 2025 accounts from Orients Audit & Finance
A profitable operator — SIA LANDE Platform earned EUR 206,485 in 2025 — and no investor fees, including on secondary-market sales
Monthly reports show arrears by collateral type and country, and farm loans follow harvests and land values rather than consumer credit cycles

Ce qui ne fonctionne pas

High arrears: about 27% of the amount not yet repaid was late or defaulted on 21 September 2026
No buyback, and enforcement is slow — court hearings can come 3–9 months after filing, before any bailiff sale — with no aggregate recovery data published
Limited exit: the secondary market trades at par only and excludes bullet and defaulted loans
A small, owner-led company — about ten employees and a CEO holding 78.67% — whose own subsidiaries act as collateral agents

À qui cela s'adresse

Investors who want collateral-backed loans outside consumer credit, can spread a modest allocation across many loans, and can leave money committed for two years or more.